Two priorities to start a business – after business registration, opening a business account will be the next!
Whether you are a Sole Proprietorship or a company with multiple shareholders, a limited company or an unlimited company, you can open your company account fully online via desktop or mobile1 in as fast as 3 days2
Enjoy 50% off of account opening administrative fee (HKD600)* and first 24-month fee waiver on Monthly Fee*
Up to 8% p.a. interest rate for 1-week time deposit, 1 Click to set up after account opening!
Offers Terms and Conditions
Open your company account fully online via desktop or mobile is equally convenient in 3 steps!
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1. Submit an application by providing your company's details
2. Complete digital ID verification
3. Complete e-Sign
Apply for the essential services in one go to level up your business!
Apply for Company Account + Company Card

New customer to set up business account and Commercial World Mastercard online in one go!
Apply now
Apply for Business Account + Business Loan

Apply for Business Loan online to know the result in 3 minutes. Start two applications simultaneously!
Apply now
Welcome offers worth more than HKD88,888 for essential banking services and Business e-Banking!
Apply online via desktop or mobile to enjoy 50% off on account opening administrative fee (HKD600)* and first 24-month fee waiver on Monthly Fee*!
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Enjoy free payroll services

Integrated autopay solution provides you a hassle free service to generate tax returns for your staff
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Enjoy the first 2 months’ handling fee waiver for Inward Remittance and online Outward Remittance transactions (max. 90 transactions a month worth HKD34,200)
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Enjoy the first 2 months’ transaction fee waiver for FPS Outward Payment (max. 90 transactions a month worth up to HKD1,800)
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Hang Seng Commercial World Mastercard and Virtual Card
Successfully apply Commercial World Mastercard to enjoy $400 Cash Dollars Rebate and 2 years annual fee waiver (HKD1,960) on your cards

50% off set up fee for Virtual Card Service (HKD2,500)

2.8% unlimited rebate# for foreign currency online spending at the designated overseas registered merchants
Learn more
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UnionPay RMB Diamond Commercial Card
Successfully apply to enjoy the first 2 years’ Annual Fee Waiver (CNY1,960) and HKD400 Mannings Cash Vouchers
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SME Easy Collection Solution
Discount on first-time set up fee, annual fee and etc. worth up to HKD19,000
Virtual Account Receivable Solution
Discount on first-time set up fee, annual fee and etc. worth up to HKD22,800
Learn more
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Foreign Exchange
Up to 140 basis points exchange rate premium for converting major foreign currencies into Hong Kong Dollars
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Enjoy HKD0 brokerage fee (up to HKD6,000) on buy and sell trades of Hong Kong Stocks, SSE and SZSE Securities

50% off on subscription fee (up to HKD3,000) for investment funds distributed by Hang Seng Bank
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People Protection: BUPA Individual Medical Insurance premium discount offer

Provide protection for company’s shareholders, directors, employees and their family members at prevailing preferential offer
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30% off the first year’s handling commission for Bank Guarantee (up to HKD800) [Applicable to Integrated Business Solutions Account only]
Terms and conditions of the above offers

*Only applicable to Biz Virtual+ Account
The original Account Opening Administrative Fee for Biz Virtual+ Account is HKD1,200. If the Biz Virtual+ Account is opened via remote account opening and without Face-to Face appointment, half waiver (HKD600) will be offered for Account Opening Administrative Fee.
Application Requirements: (i) All connected parties of the Applicant such as directors, shareholders and authorized signers shall be as HKID cardholder(s), with single layer ownership. Place of incorporation, registered address, business address and correspondence address should all be in Hong Kong; (ii)The Applicant’s annual sales turnover meets with Hang Seng’s designated level; (iii)The Applicant is required to apply for Hang Seng Business e-Banking separately. The Maximum Daily Limit(s) under Hang Seng Business e-Banking either Fund Transfer to Designated Beneficiary Accounts or Fund Transfer to Non-Designated Beneficiary Accounts should not be over HKD200,000 each; and (iv) The Applicant has not entered into and will not enter into the Trade Finance General Agreement with Hang Seng.

#2.8% rebate includes 2% cash rebate promotion, 0.4% rebate for all foreign currency online spending and 0.4% Cash Dollar rebate for every spending.
Two types of Integrated Business Account to suit different business needs!
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Biz Virtual+ Account
Suitable for start-ups or businesses that are started to grow
Integrated Business Solutions Account
Suitable for SMEs and well-established corporates who require a full range of banking services to meet sophisticated business needs
Looking for better Business e-Banking for your business? Hang Seng is here to support!
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  1. To enjoy remote account opening service, the applicant’s connected party(ies) must hold a Hong Kong Identity Card. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong when submitting the application, completing digital ID verification and e-Sign successfully. The eligibility of applicants for remote account opening is subject to the final and absolute discretion of Hang Seng Bank Limited.
  2. For eligible customer(s), the Biz Virtual+ Account can be opened in as fast as 3 business days/ the Integrated Business Solutions Account can be opened in as fast as 5 business days upon performing e-Sign by customer. Customer(s) will receive a SMS notification for e-Sign after the (1) satisfactory review of the documents submitted, (2) successful completion of digital ID verification and (3) completion of Know Your Customer (“KYC”) call(s). For customers requiring a face-to-face appointment at Business Banking Center(s) (if applicable), an appointment will be arranged based on the latest availability.